Your credit score affects the rates you pay, the loans you qualify for, and the opportunities available to you. We take over the entire repair process — audit, disputes, escalations — and handle it start to finish.
From your first credit audit to your last deletion — here is exactly what happens when you work with us.
We pull all three bureau reports and review every account, every date, and every balance. You get a complete picture of exactly what's on your file before we begin.
Every negative item gets a specific approach — inaccurate entries, unverifiable accounts, re-aged debts. Nothing gets a generic letter.
Dispute letters go out to all three bureaus. Responses come back, we review every one, escalate where needed, and keep pushing until the round is done. Rinse and repeat.
Monthly progress reports keep you fully informed on every dispute outcome, deletion, and what's coming next. You're never left wondering where things stand.
"Was getting denied for everything. Four months later I'm driving a new car with a rate I never thought I'd qualify for."
"The whole process was smooth and easy. Got approved for my first home in month six. Couldn't believe how simple it was."
"Seven months. 819. The portal tracked every single deletion. I knew exactly what was happening the whole time."
Six core services. All included. No add-ons, no upsells, no surprises.
We pull all three reports and go through every account, balance, and date. Every negative item is identified and assigned a specific dispute approach.
We dispute at the data field level using Metro2 methodology — the same format bureaus and furnishers use internally. More precise than standard dispute letters.
We don't just dispute — we advise. Throughout the process, we guide you on the decisions that protect and build your credit long after the repair work is done.
When bureaus push back, we escalate — CFPB complaints, Section 623 direct disputes, reinsertion challenges. We follow every dispute through to its conclusion.
Every month you receive a clear breakdown of what was removed, what is pending, and what the next round of work looks like.
Every dispute goes out certified mail with full documentation. Every response is logged, tracked, and filed — creating the paper trail that enforces your legal rights.
Your $99 first work fee is charged only after your audit is complete and your first round of disputes has been sent. Your $149/month billing begins 30 days after that. No charge ever comes before work is done.
Cancel within 5 business days of signing for a full refund of any fees paid. After 5 business days, cancel anytime — no further charges. Per CROA, no fees are ever charged before services are rendered.
Most clients see meaningful movement within 45–90 days. Your credit isn't going to fix itself — we're ready when you are.
Whether you want to understand your options, ask about your specific credit situation, or learn more about how we work — reach out and we'll get back to you as soon as possible — typically within 1–2 business days.